Temporary movement is normal in frontline work. It causes trouble on mortgage files only when the paperwork describes the temporary role and forgets to describe the permanent one.
Lead with the substantive position
Your substantive position is the permanent job you hold and return to. That is the position that should anchor the employment letter, with the assignment described alongside it. A letter that only names a temporary role reads as temporary employment, which is a much weaker file than the one you actually have.
Acting pay as income
Acting pay is a defined entitlement in most agreements, with a rate and the conditions that trigger it. Where you have a documented pattern of receiving it, it can be presented the same way overtime is: the agreement article establishes the entitlement, and the stubs and T4s establish the history. Where it has happened once, expect it to be treated as one-off.
What to gather
- The assignment or secondment letter, with its end date and your return position.
- An employment letter naming your substantive position and status.
- The article of your agreement defining acting pay and its rate.
- Stubs covering the period the acting pay was received.
Your next useful step
Bring the employer, agreement and recent pay. We will work from the document instead of guessing at the income.
